OpenSky Credit Card

THIS IS THE ABSOLUTE WORST CARD TO GET INTO! DO NOT DEPEND ON THIS CARD TO HELP BUILD YOUR CREDIT! THEY ARE THEIVES WHO STEAL YOUR MONEY AND REFUSE TO HELP.
I HAD "2 FAILED PAYMENTS" AFTER I HAD PROOF THERE WAS NO ATTEMPT TO COLLECT MONEY FROM MY ACCOUNT AND THEY REFUSED TO UNLOCK MY CARD. THEY ARE THE WORST- EVERY "SUPERVISOR" YOU SPEAK WITH HAS A DIFFERENT ANSWER. NO ONE KNOWS WHAT THEY ARE TALKING ABOUT. THEY ARE THE ABSOLUTE WORST! PLEASE DONT MAKE THE SAME MISTAKE I DID.
I SENT THEM THE PROOF I HAD MONEY ON MY ACCOUNT AND THEY STILL SAID SO WHAT. THEY ARE NO GOOD. NOT WITH CUSTOMER CARE/ NOT WITH RESOLVING A CUSTOMER ISSUE/ AND EVERYTONE IS CLUELESS!

I have had the card for 1 year and have had issues since day 1. It took forever to get the card. Then when I put in for an increase, it took an act of congress and approx. 2 mo for approval ( for a secured card). Then once they approved it, 300 was available not 400.00. That was about a month to get that worked out. Now, after 1 year of diligently watching my spending and making my payments on time, my score has been dropped down to only a few points higjer than it was when I started. I am convinced now that this card is actively seeking ways to increase it's profits by exploiting card holders. They made a change to their website and ask that people sign into the new site. I saw nothing about updating automatic payments or updating statement receipt preferrences. Why would you? I geel this was just a way to scam thousands of card holders. They reported a 3 dollar statement fee when I was on paperless statements, which dropped my credit score 40 points. This card has far too many issues and horrible customer service. They appear to be a scam in my opinion. I intend to close the card and report them to the Feds. I suggest that anyone else having issues does the same or they will continue to operate under the radar, scamming hard working people like you and me.

First off, their customer service has a non-circumventing recording, so you can't make an option until it's done with the spiel. Next a "screening" person talks to you like you're getting info you need, but then tells you they're going to transfer you to the right place, so you can't even get to where you want to be in less than 8-10 minutes!
Scumbag liars in the disputes dept., refused to refund me $80 AFTER the merchant ADMITTED to them being wrong and would be ok with refunding me! Furthermore, the disputes morons told me the completely wrong information that wasn't even brought up with the transaction, and said I needed to straighten that out first.
Also, I was forced to fax over documents, because apparently there's no online option for submitting documents because this card is absolutely garbage.
Then, after calling for roughly a full week, these losers lied to me every time telling me I would get a call back from a supervisor, but never did.
These are some of the most useless, stupid, lazy imbeciles to exist, not just the employees, the ones who run this card.
I've made a complaint through the BBB, next stop will be the FCT, and then the AG's office. Unbelievable amount of stupidity with these people.

Do not touch with a ten foot pole. I applied for this card, which required pre-pay of deposit and annual fee, and waited for a response. By the time they told me I was approved I didn't want the card. I told them I was not accepting the offer. The weakly tried to tell me I couldn't have the annual fee back before I pointed out the cardholder agreement had not been accepted so I didn't owe them any money (you have to use the account or card before the agreement is considered accepted- different companies have different things that constitute acceptance so this may not be applicable for other cards.) After I said that I was put on hold and the representative was back within a minute and apologized for the misunderstanding and said the annual fee would be refunded as I hadn't agreed to open the card yet.

Fast forward three months- I have disputed the opened card (yes they reported it as opened anyway) in June, July, and August and the first two times they've told the credit reporting agency (TransUnion) I opened it. This time I disputed it with Experian to see if they pay more attention to the fact that the cardholder agreement is very explicit that I did not meet the requirements necessary for the cardholder to assume I accepted the card. I called OpenSky both times before, this time I won't bother, I'll just wait to see if it negatively impacts me in a real and financial way and if it does then I'll sue in small claims court.

DO NOT GET THIS CARD! The only reason I chose THIS card is becasue they tell you that you do not need a bank account. I tried to make a payment and now they tell me I need a bank account. Then when I asked to cancel the card because I DON'T have a bank account they tell tha tthe balence must be at 0. So instead of them keeping the money I already paid them they want me to pay them again only to refund me money which can take up to TWO MONTHS. HORRIBLE CUSTOMER SERVICE. No response when my card took two weeks to get to me after multiple attempts in reaching them either. SAVE YOURSELF A WASTE OF YOUR TIME AND MONEY.

I'm sure if I was applying for the $35 annual fee card it would work fine. Now they have all my personal info
And I have nothing. STAY AWAY FROM THIS SCAM!

Here we go let me tell all the representatives I have spoke to sound jus like they woke the heak up out of bed. Here is the situation I had tried to order on finishline, online was charged several Hundred$$$$ never got a confirmation number in email or from finish... was charged HELLA DOLLARS ON MY SKY CARD NEVER RECEIVED THE CLOTHING I HAD ORDERED! WHO IS IN CHARGE I WAITED ON HOLD TODAY FROM 9A.M. TELL NOW 1:14P.M. CST. And got NOWHERE. AND THEM FINISH LINE N SKY WERE TALKING CALLED ON 3 WAY AS THE IGNORANT SKY REP. SAID SHE COULDNT HELP AFTER ALL THIS THE FINISH LINE LADY WAS JUST AS DUMB LITERALLY! I WILL BE REPORTING ALL THIS FAKE SERVICE TO THE B.B.B. AFTER IM DONE WAISTING MY TIME FOR THE POORLEY REPS. I BETTER HAVE THE $800-$900 BACK IN MY WIPED OUT CARD IN 4 DAYS LIKE SKY REP SAID. AND IF NOT I WILL CONTINUE TO REPORT THIS WACK A** CREDIT CARD NON HAVING REP THAT DONT KNOW HOW TO THEIR HIGH PAID JOB... WEAK COMPANY Y'ALL CAN SUCK D***!